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Community State Bank

IDRSSD: 92144
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q1QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #92144 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.72% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.05% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +4
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.8%, cash 2.0% of assets.

Cash / Assets
2.05%
Loans / Deposits
40.82%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.05% of assets (threshold 3%).

Securities

StrongQoQ +4
84
Sub-score

Securities profile is strong: securities 24.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.71%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 36.49%, CET1 36.49%, leverage 19.63%.

Tier 1 RBC
36.49%
CET1
36.49%
Leverage
19.63%
No watch items at this period.

Asset Quality

StableQoQ 0
67
Sub-score

Asset quality is stable: Adjusted NPL 6.72%, Texas Ratio 10.8%, NCO YTD 0.00%.

Adjusted NPL
6.72%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.72% (govt-guarantees stripped).

Reserves

Watch
48
Sub-score

Reserves are deteriorating: ALLL 3.69% of loans, coverage 57.0%, true coverage 57.0%.

ALLL / Loans
3.69%
Coverage
57.0%
True Loss Coverage
57.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 19:36:57 UTC